Decision Non-QM Loans Instantly & Qualify More Edge Cases

Decision Non-QM Loans Instantly & Qualify More Edge Cases

Decision Non-QM Loans Instantly & Qualify More Edge Cases

One platform for eligibility, pricing, and underwriting. Built for complex nonQM loans.

One platform for eligibility, pricing, and underwriting. Built for complex nonQM loans.

One platform for eligibility, pricing, and underwriting. Built for complex nonQM loans.

Feature

LoanPASS

Manual Workflow

Unified platform for pricing, eligibility, and AUS

No-code rule engine for fast product updates

Supports DSCR, bank statement, and reverse loans

Real-time multi-investor pricing and comparison

Automated conditions and underwriting decisions

See what makes LoanPASS the fastest, most flexible, non-QM PPE on the market.

Customizable Rules, Margins, and Incentives

Customizable Rules, Margins, and Incentives

Customizable Rules, Margins, and Incentives

Non-QM lending demands flexibility, and LoanPASS delivers. Define granular eligibility rules, pricing adjustments, and conditions tailored to unique borrower profiles, like bank statements, asset depletion, or DSCR. Whether you're managing layered LLPAs, LLRAs, channel-specific margins, or product-level incentives, LoanPASS puts you in complete control with no developer dependency.

Non-QM lending demands flexibility, and LoanPASS delivers. Define granular eligibility rules, pricing adjustments, and conditions tailored to unique borrower profiles, like bank statements, asset depletion, or DSCR. Whether you're managing layered LLPAs, LLRAs, channel-specific margins, or product-level incentives, LoanPASS puts you in complete control with no developer dependency.

Non-QM lending demands flexibility, and LoanPASS delivers. Define granular eligibility rules, pricing adjustments, and conditions tailored to unique borrower profiles, like bank statements, asset depletion, or DSCR. Whether you're managing layered LLPAs, LLRAs, channel-specific margins, or product-level incentives, LoanPASS puts you in complete control with no developer dependency.

Configure rule-based eligibility for complex scenarios

Configure rule-based eligibility for complex scenarios

Configure rule-based eligibility for complex scenarios

Configure rule-based eligibility for complex scenarios

Set margins LLPAs, LLRAs, by credit grade, LTV, and more

Set margins and LLPAs by credit grade, LTV, and more

Set margins and LLPAs by credit grade, LTV, and more

Set margins and LLPAs by credit grade, LTV, and more

Apply incentives to drive volume across products or channels

Apply incentives to drive volume across products or channels

Apply incentives to drive volume across products or channels

Apply incentives to drive volume across products or channels

Eligibility, Decisioning, and Underwriting

Eligibility, Decisioning, and Underwriting

Eligibility, Decisioning, and Underwriting

Non-QM loans require more than standard guidelines. LoanPASS is built to handle the exceptions. Configure advanced eligibility logic for alternative income types, layered risk factors, and investor-specific overlays. Automatically generate conditions and underwriting outcomes in real time, giving your team speed without sacrificing control or accuracy.

Non-QM loans require more than standard guidelines. LoanPASS is built to handle the exceptions. Configure advanced eligibility logic for alternative income types, layered risk factors, and investor-specific overlays. Automatically generate conditions and underwriting outcomes in real time, giving your team speed without sacrificing control or accuracy.

Non-QM loans require more than standard guidelines. LoanPASS is built to handle the exceptions. Configure advanced eligibility logic for alternative income types, layered risk factors, and investor-specific overlays. Automatically generate conditions and underwriting outcomes in real time, giving your team speed without sacrificing control or accuracy.

Build rule-based eligibility

Build rule-based eligibility

Build rule-based eligibility

Build rule-based eligibility

Generate custom stipulations and conditions

Generate custom stipulations and conditions

Generate custom stipulations and conditions

Generate custom stipulations and conditions

Automate complex underwriting decisions

Automate complex underwriting decisions

Automate complex underwriting decisions

Automate complex underwriting decisions

"LoanPASS allows us to deliver top-tier reverse mortgage products with accuracy and speed."

Kim Smith
SVP Wholesale Lending, Smartfi

Powerful Reverse Mortgage Pricing

Powerful Reverse Mortgage Pricing

Powerful Reverse Mortgage Pricing

LoanPASS makes it easy for lenders to price and manage reverse mortgage products alongside other non-QM offerings. With a flexible, no-code rule engine and full control over custom fields, calculations, and eligibility logic, you can tailor reverse mortgage pricing to fit your unique investor guidelines. Whether you're managing HECM alternatives or proprietary programs, LoanPASS supports complex requirements with speed and precision.

LoanPASS makes it easy for lenders to price and manage reverse mortgage products alongside other non-QM offerings. With a flexible, no-code rule engine and full control over custom fields, calculations, and eligibility logic, you can tailor reverse mortgage pricing to fit your unique investor guidelines. Whether you're managing HECM alternatives or proprietary programs, LoanPASS supports complex requirements with speed and precision.

LoanPASS makes it easy for lenders to price and manage reverse mortgage products alongside other non-QM offerings. With a flexible, no-code rule engine and full control over custom fields, calculations, and eligibility logic, you can tailor reverse mortgage pricing to fit your unique investor guidelines. Whether you're managing HECM alternatives or proprietary programs, LoanPASS supports complex requirements with speed and precision.

Full control over proprietary reverse programs

Full control over proprietary reverse programs

Full control over proprietary reverse programs

Full control over proprietary reverse programs

Instant, side-by-side reverse and forward quotes

Instant, side-by-side reverse and forward quotes

Instant, side-by-side reverse and forward quotes

Instant, side-by-side reverse and forward quotes

Dynamic pricing by age, equity, tenure, and more

Dynamic pricing by age, equity, tenure, and more

Dynamic pricing by age, equity, tenure, and more

Dynamic pricing by age, equity, tenure, and more

Quick Pricer and Advanced Pricer

Quick Pricer and Advanced Pricer

Quick Pricer and Advanced Pricer

Whether you need a fast quote or a full scenario breakdown, LoanPASS has tools built for every stage of the Non-QM process. Use Quick Pricer for instant results with minimal inputs or switch to Advanced Pricer for full control over loan details, conditions, and pricing logic. Both are designed to handle the complexity of Non-QM without slowing you down.

Whether you need a fast quote or a full scenario breakdown, LoanPASS has tools built for every stage of the Non-QM process. Use Quick Pricer for instant results with minimal inputs or switch to Advanced Pricer for full control over loan details, conditions, and pricing logic. Both are designed to handle the complexity of Non-QM without slowing you down.

Whether you need a fast quote or a full scenario breakdown, LoanPASS has tools built for every stage of the Non-QM process. Use Quick Pricer for instant results with minimal inputs or switch to Advanced Pricer for full control over loan details, conditions, and pricing logic. Both are designed to handle the complexity of Non-QM without slowing you down.

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

Get instant quotes with Quick Pricer

Use Advanced Pricer for detailed scenarios

Use Advanced Pricer for detailed scenarios

Use Advanced Pricer for detailed scenarios

Use Advanced Pricer for detailed scenarios

Handle complex rules and pricing with ease

Handle complex rules and pricing with ease

Handle complex rules and pricing with ease

Handle complex rules and pricing with ease

"Any secondary marketing person will find it easy enough to navigate and build their own rules. But if you get confused or need help, the support is amazing.”

Nelson Haws
Founder & CEO. LoanHouse

Supports Secondary Market Workflows

Supports Secondary Market Workflows

Supports Secondary Market Workflows

Configure delivery and lock policies

Configure delivery and lock policies

Configure delivery and lock policies

Configure delivery and lock policies

Support custom investor pricing structures

Support custom investor pricing structures

Support custom investor pricing structures

Support custom investor pricing structures

Export pricing and loan data with ease

Export pricing and loan data with ease

Export pricing and loan data with ease

Export pricing and loan data with ease

Pricing for Any Product by Any Investor

Pricing for Any Product by Any Investor

Pricing for Any Product by Any Investor

Non-QM lending involves complex products and varied investor guidelines. LoanPASS makes it easy to manage them all. Set up and price any loan product with investor specific logic, rate sheets, and adjustments. Compare options in real time and stay flexible as guidelines change.

Non-QM lending involves complex products and varied investor guidelines. LoanPASS makes it easy to manage them all. Set up and price any loan product with investor specific logic, rate sheets, and adjustments. Compare options in real time and stay flexible as guidelines change.

Non-QM lending involves complex products and varied investor guidelines. LoanPASS makes it easy to manage them all. Set up and price any loan product with investor specific logic, rate sheets, and adjustments. Compare options in real time and stay flexible as guidelines change.

Upload custom rate sheets

Upload custom rate sheets

Upload custom rate sheets

Upload custom rate sheets

Set investor specific rules, LLPAs, and LLRAs

Set investor specific rules and LLPAs

Set investor specific rules and LLPAs

Set investor specific rules and LLPAs

Compare pricing across multiple investors instantly

Compare pricing across multiple investors instantly

Compare pricing across multiple investors instantly

Compare pricing across multiple investors instantly

Our customers love us for many reasons. Here's a few of them.

Frequently Asked Questions

Can LoanPASS handle bank statement and alternative income programs?

Yes. You can configure detailed eligibility and pricing rules for bank statements, asset depletion, P&L, and other alternative documentation types.

How does LoanPASS support DSCR and investor cash flow programs?

LoanPASS allows you to create rules based on property cash flow, DSCR ratios, and rent schedules. You can set different thresholds, LLPAs, LLRAs, and conditions by investor or product.

Can I price and compare multiple Non-QM investors at once?

Yes. LoanPASS supports pricing across multiple investors in real time, with the ability to apply investor specific rate sheets, LLPAs, LLRAs, and eligibility rules.

What if my Non-QM products change frequently?

LoanPASS makes it easy to update products, rules, and margins without developer help. You can publish changes instantly with full version control.

Does LoanPASS support complex layered LLPAs?

Yes. You can stack and sequence adjustments based on any field, including LTV, FICO, income type, property type, and more.

Can I generate custom conditions and stipulations for Non-QM scenarios?

Absolutely. LoanPASS lets you automate underwriting conditions based on scenario data, helping you streamline processing and reduce manual reviews.

How does LoanPASS handle exceptions and manual approvals?

You can flag loans that fall outside defined rules, trigger alerts, and create workflows for manual reviews or approvals—giving you control without losing oversight.

Can I use loanpass for both pricing and underwriting decisions?

Yes. LoanPASS combines product eligibility, pricing, and rule based underwriting in one platform—ideal for complex Non-QM loans.

Do you support Non-QM lock desk and secondary workflows?

Yes. You can configure lock policies, delivery options, and investor guidelines to fit your lock desk or capital markets process.

Do you support Non-QM lock desk and secondary workflows?

Yes. You can configure lock policies, delivery options, and investor guidelines to fit your lock desk or capital markets process.

Do you support Non-QM lock desk and secondary workflows?

Yes. You can configure lock policies, delivery options, and investor guidelines to fit your lock desk or capital markets process.

Do you support Non-QM lock desk and secondary workflows?

Yes. You can configure lock policies, delivery options, and investor guidelines to fit your lock desk or capital markets process.

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Take Control. Move Faster. Win more Business.

Turn complex pricing into a competitive advantage with LoanPASS. Faster quotes. Smarter decisions. Total control. Built for modern lending.

Schedule a Demo

Our customers love us for many reasons. Here's a few of them.

Our customers love us for many reasons. Here's a few of them.

Our customers love us for many reasons. Here's a few of them.